Antique Store Insurance

Antiques Store
A silver pot and other items for sale in an antique shop.
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Why do antique stores need insurance?

When you have a shop filled with valuable antiques, insurance is a must. Business insurance can help pay for repair costs if a display is knocked over, or medical bills if a customer trips over a piece of antique furniture. It can also cover theft, fires, data breaches, and auto accidents.

An employee arranging books in an antique shop.
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Find affordable insurance

With Insureon, antique shop owners can compare quotes from top-rated insurance carriers to find affordable options.

A licensed insurance agent will help make sure you get the right coverage for your small business.

What types of insurance do antique stores need?

These insurance policies cover the most common risks at antique shops.

Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for antique store owners to buy general liability coverage and commercial property insurance together.

  • Customer bodily injuries
  • Damaged or stolen antiques
  • Business interruption insurance
General liability insurance icon

General liability insurance

General liability insurance covers common third-party risks, such as a customer who trips on an uneven step in your antique store and files a lawsuit over their injury.

  • Customer slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for antique businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal costs from workplace injuries
Cyber insurance icon

Cyber insurance

This policy helps antique stores recover financially from data breaches and cyberattacks. It's recommended for any business that handles personal information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on your antique shop's general liability, employer’s liability, or commercial auto insurance once the policy limit is reached.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers accidents involving a vehicle owned by your antique store. Each state has its own requirements for auto liability insurance.

  • Damage to another vehicle
  • Injuries caused to another person
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does business insurance cost for retail stores?

A retailer applying for insurance quotes on a laptop.

A small antique store won't have to pay a lot for business insurance.

Factors that affect your premiums include:

  • Retail products and services offered, such as furniture, home decor, and collectibles
  • Business property and equipment
  • Business income
  • Types of coverage purchased
  • Policy limits and deductibles
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How do I get business insurance for antique stores?

It's easy to get business insurance for your antique store if you have your shop's information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees.

You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application.
  2. Compare insurance quotes and choose policies.
  3. Pay for your policy and download a certificate.

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for shops that sell antiques, vintage items, and collectibles, whether you work independently or hire employees.

FAQs about antique store insurance

Review answers to frequently asked questions about antique shop insurance.

Do antique shops need product liability insurance?

Yes, your antique store needs product liability insurance. If a customer is injured by a product, or if your product damages their property, you could be held liable. That could means thousands of dollars in legal fees and medical expenses.

Product liability coverage is usually included in your general liability insurance. Every business in the supply chain should carry this coverage. That includes:

Though an antique shop is less likely to offer defective products, an antique could still cause harm. For instance, a vintage chair could break when a customer sits in it, or an oil lamp could leak and cause a fire in a customer's home.

It's also important to reduce your product liability risks to avoid these types of claims. Examine your items carefully to make sure there aren't any defects. Claims are costly—and they can also make your insurance rates go up.

Does antique store insurance protect against theft?

Protection against theft is a must-have when you deal in antiques. Commercial property insurance, included in a business owner's policy, covers costs in the event of shoplifting or an after-hours burglary at your shop.

To guard against dishonest employees, you might consider commercial crime insurance. This policy will cover costs if an employee forges your signature or makes off with a valuable item. You can typically add it to your property policy or BOP.

Security systems and cameras can go a long way toward preventing theft. They can also reduce your premium, but you'll have to check with your insurance company to see which security measures qualify you for a discount.

What other insurance policies should antique stores carry?

Antique dealers should consider the following types of coverage, in addition to those mentioned above:

If you have questions or need help finding the right coverage options for your risks, chat with a licensed agent.

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